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HDFC ELSS Tax saver - Growth Plan is an equity scheme managed by HDFC Mutual Fund. Over rolling three-year windows since inception, investors earned a median compounded return of 23.99%, with the bottom and top quartiles at 21.12% and 26.15% respectively. It has ranked in the top half of its category for 8 of the last 12 reported years. Risk-adjusted return (Sharpe ratio) is 0.00. The total expense ratio is 1.69% on assets of ₹15,559Cr. The fund is currently managed by Mr. Amar Kalkundrikar, appointed within the last year.
Lower is better.
This scheme classifies as Large-Value on the 3x3 equity style box, with 90% of its portfolio classified as of 2026-04-30.
| Holding | Sector |
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| Window | Min | P25 | Median |
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Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
Same fund, monthly SIPs over rolling 1/3/5-year windows.
| Scheme | AMC | AUM | TER | 3Y |
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Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
| Weight |
|---|
| ICICI Bank Ltd. | Financial Services | 8.93% |
| HDFC Bank Ltd. | Financial Services | 8.23% |
| Axis Bank Ltd. | Financial Services | 7.22% |
| State Bank of India | Financial Services | 4.81% |
| Maruti Suzuki India Limited | Consumer Cyclical | 4.71% |
| Bharti Airtel Ltd. | Communication Services | 4.59% |
| Kotak Mahindra Bank Limited | Financial Services | 4.31% |
| SBI Life Insurance Company Ltd. | Financial Services | 3.51% |
| Reliance Industries Ltd. | Energy | 3.06% |
| HCL Technologies Ltd. | Technology | 2.76% |
| Hyundai Motor India Limited | Consumer Cyclical | 2.34% |
| Power Grid Corporation of India Ltd. | Utilities | 2.25% |
| Tata Steel Ltd. | Basic Materials | 2.04% |
| Infosys Limited | Technology | 2.02% |
| Bajaj Auto Limited | Consumer Cyclical | 1.93% |
| Britannia Industries Ltd. | Consumer Defensive | 1.84% |
| Eternal Limited | Consumer Cyclical | 1.79% |
| Larsen and Toubro Ltd. | Industrials | 1.63% |
| JSW Steel Ltd. | Basic Materials | 1.63% |
| Apollo Hospitals Enterprise Ltd. | Healthcare | 1.35% |
| Jubilant Foodworks Limited | Consumer Cyclical | 1.22% |
| Bosch Limited | Consumer Cyclical | 1.16% |
| Karur Vysya Bank Ltd. | Financial Services | 1.13% |
| ICICI Lombard General Insurance Co | Financial Services | 1.12% |
| InterGlobe Aviation Ltd. | Industrials | 1.10% |
| Sector | Holdings | Weight |
|---|---|---|
| Banks | 6 | 34.63% |
| Automobiles | 6 | 10.82% |
| IT - Software | 4 | 6.75% |
| Insurance | 4 | 5.95% |
| Telecom - Services | 1 | 4.59% |
| Ferrous Metals | 2 | 3.67% |
| Pharmaceuticals & Biotechnology | 5 | 3.56% |
| Healthcare Services | 3 | 3.33% |
| Petroleum Products | 1 | 3.06% |
| Power | 1 | 2.25% |
| Food Products | 1 | 1.84% |
| Retailing | 1 | 1.79% |
| Leisure Services | 2 | 1.68% |
| Construction | 1 | 1.63% |
| Consumer Durables | 3 | 1.56% |
| Transport Services | 2 | 1.40% |
| Cement & Cement Products | 3 | 1.22% |
| Auto Components | 1 | 1.16% |
| Agricultural, Commercial & Construction Vehicles | 1 | 1.04% |
| Personal Products | 1 | 0.90% |
| Beverages | 1 | 0.85% |
| Financial Technology (Fintech) | 1 | 0.84% |
| Capital Markets | 1 | 0.70% |
| Diversified FMCG | 1 | 0.61% |
| IT - Services | 1 | 0.38% |
| Commercial Services & Supplies | 1 | 0.36% |
| Sovereign | 1 | 0.33% |
Active bets vs the average Equity fund. Biggest deviations shown first.
Accent bar = fund's actual sector weight. Vertical black tick = category average for the same sector. Green overlay = overweight, dashed red = underweight. The biggest active bets show first.
How crowded into the same stocks is this fund vs the largest fund in its category?
Category leader = highest-AUM scheme in the same SEBI category. A high overlap-of-weight number means the fund is concentrated into the same names as the leader (crowded); a low one means it's genuinely differentiated.
| P75 |
|---|
| Max |
|---|
| Positive % |
|---|
| 1Y | -6.09% | 9.42% | 18.17% | 40.40% | 67.56% | 96.3% |
| 3Y | 14.79% | 21.12% | 23.99% | 26.15% | 29.59% | 100.0% |
| 5Y | 15.64% | 18.94% | 23.28% | 25.41% | 28.02% | 100.0% |
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Top-10 weight 52.1% means concentration is in line with most actively-managed Indian equity funds. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Equity.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
Each row is a back-tested SIP — monthly contribution over the regime's duration, no fees adjustment beyond NAV-baked TER. XIRR is the annualised IRR of those cashflows; Abs return is the absolute cash-on-cash; Max DD is the deepest drawdown experienced mid-investment. Past performance is not indicative of future results.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.
| 5Y |
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| Star |
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